Qualification to become a Habitat for Humanity Chicago Homeowner is based on three criteria: need, ability to pay, and willingness to partner.
Need is determined by the applicants' current shelter. Evaluation of conditions in current housing, which may include, but not limited to:
- Structural problems
- Problems with plumbing, sewage, or electrical systems
- Unsafe heating system or no formal heating system
- Little or no insulation
- Lack of functioning entrance and exit points (front and back doors)
- Unhealthy conditions including, but not limited to, mold due to roof leaks or pest infestation due to structural cracks and crevices
- Inoperable kitchen or bathroom
- Overcrowding (determined by number of persons, their ages, and gender)
- Cost-burdened (cost of rent plus utilities-excluding phone- is greater than 35% of family's monthly income)
- Homelessness (living with friends or relatives or in temporary housing)
- Family has been denied conventional or government assisted housing
Willingness to Partner
Willingness to participate as a "partner" with HFHC
- Sweat Equity requirements: 250-350 hours
- Monthly homebuyer education classes: Evening and/or weekend hours
- Must agree to a home visit prior to being selected into the program
Ability to Pay
Current income and ability to pay for a Habitat house is assessed based on the following:
- Applicant Debt to Income Ratio (DTI) below 42%
- No judgments or liens more than 2 years old
- No collections over $1,000
- If applicable, bankruptcy and foreclosure discharged for at least 24 months
- Savings ($500 minimum) with ability to save an additional $1200 for closing costs
- Applicant income must be between 40-80% of the area median income, depending on family size. Refer to the City of Chicago Area Median Income Chart for more details
- Pull credit report
- Visit our build site in West Pullman (119th - 120th and Union St)
View home floorplans.
Read homeowner testimonials.
Review the overview.